If a customer can’t provide a checking account when prompted, Affirm won’t be able to approve the application.

The steps are:

Enter customer information consistent with when initially creating the account

Enter a PIN

Select their bank provider

Enter their banking credentials

Select loan terms

Enable autopay (optional)

Check that you've read the terms and click CONFIRM LOAN

After linking their bank account and confirming their loan, the customer returns to the merchant's site, where they see a confirmation number that verifies their transaction. The customer also receives an email and SMS confirmation from Affirm.